Call reports 2005
WEST CENTRAL BANK — 2005
What WEST CENTRAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 56,127,000 | 54,421,000 | 51,718,000 | 53,473,000 |
| Total loans | 34,374,000 | 34,863,000 | 36,000,000 | 34,806,000 |
| Allowance for loan losses | 339,000 | 414,000 | 411,000 | 351,000 |
| Securities available for sale | 13,702,000 | 12,865,000 | 10,255,000 | 10,116,000 |
| Securities held to maturity | 2,222,000 | 2,121,000 | 1,354,000 | 1,239,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,293,000 | 42,605,000 | 41,264,000 | 43,274,000 |
| Interest-bearing deposits | 37,630,000 | 36,784,000 | 35,268,000 | 33,665,000 |
| Noninterest-bearing deposits | 6,663,000 | 5,821,000 | 5,996,000 | 9,609,000 |
| Equity capital | 7,231,000 | 7,360,000 | 7,477,000 | 7,240,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 718,000 | 1,396,000 | 2,121,000 | 2,789,000 |
| Interest expense | 244,000 | 501,000 | 763,000 | 1,007,000 |
| Net interest income | 474,000 | 895,000 | 1,358,000 | 1,782,000 |
| Noninterest income | 142,000 | 382,000 | 639,000 | 844,000 |
| Noninterest expense | 342,000 | 790,000 | 1,253,000 | 1,785,000 |
| Provision for loan losses | 0 | 75,000 | 75,000 | 154,000 |
| Pretax income | 291,000 | 428,000 | 704,000 | 722,000 |
| Income tax | 72,000 | 97,000 | 184,000 | 182,000 |
| Net income | 219,000 | 331,000 | 520,000 | 540,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,076,000 | 6,986,000 | 7,175,000 | 6,985,000 |
| Total capital | 7,415,000 | 7,400,000 | 7,586,000 | 7,336,000 |
| Risk-weighted assets | 38,462,000 | 37,968,000 | 39,555,000 | 38,792,000 |
Machine access — free, no API key
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